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Gold loan NBFC Muthoot Finance Ltd on Thursday (February 12) reported a 94.9% year-on-year increase in its net profit for the third quarter. The company posted a net profit of ₹2,656 crore in Q3, compared with ₹1,363 crore in the same period last year.
Net interest income (NII) rose 64% year-on-year to ₹4,467 crore, as against ₹2,721 crore reported in the corresponding quarter of the previous fiscal. The company reported consolidated loan assets under management (AUM) of ₹1,64,720 crore as on December 31, 2025, marking a 48% year-on-year increase from ₹1,11,308 crore in 9M FY25.
During 9M FY26, consolidated loan AUM grew by ₹42,539 crore, registering a 35% increase, while the quarter saw a rise of ₹17,046 crore, up 12%. The company reported consolidated profit after tax of ₹7,209 crore for 9M FY26, compared with ₹3,908 crore last year, an increase of 84% YoY.
Also Read: Gold financiers in focus: CLSA raises Muthoot target, cautious on Manappuram
Standalone loan AUM stood at ₹1,47,552 crore as on December 31, 2025, up 51% YoY from ₹97,487 crore in 9M FY25. During 9M FY26, standalone loan AUM increased by ₹38,905 crore, registering a 36% growth. Standalone profit after tax for 9M FY26 came in at ₹7,048 crore versus ₹3,693 crore in 9M FY25, rising 91% YoY.
Gold loan AUM reached ₹1,39,658 crore as on December 31, 2025, up 50% YoY, with an increase of ₹36,702 crore during 9M FY26 and ₹14,740 crore during Q3 FY26, each reflecting 36% and 12% growth, respectively.
Belstar Microfinance
The company opened 39 gold loan branches during 9M FY26, taking total branches to 1,290 compared with 1,224 in 9M FY25. Collection efficiency improved to 99.64% from 98.53% a year ago. Disbursements stood at ₹5,589 crore in 9M FY26 versus ₹4,760 crore in 9M FY25, up 17% YoY. Corporate agency income commenced in Q3 FY26 at ₹5 crore, and direct assignment transactions were executed to the extent of ₹178 crore.
Also Read: Explained — Why the latest RBI announcement is positive for Manappuram and Muthoot Finance
Muthoot Homefin
The firm reported loan AUM of ₹3,380 crore in 9M FY26 compared with ₹2,720 crore in 9M FY25, up around 24% YoY. The company disbursed loans worth ₹715 crore during the period. Interest income rose about 41% YoY to ₹274 crore from ₹194 crore. Profit after tax stood at ₹19 crore, while GNPA was 2.32% and NNPA 1.42% in 9M FY26.
Muthoot Money
The company reported loan AUM of ₹8,003 crore in 9M FY26 versus ₹2,982 crore in 9M FY25, registering growth of around 168% YoY. An equity share capital infusion of ₹1,000 crore during 9M FY26 increased the total capital base to ₹2,223 crore. Total income rose about 222% YoY to ₹862 crore from ₹268 crore. The business reported a profit of ₹203 crore in 9M FY26 compared with a loss of ₹2 crore in 9M FY25.
George Jacob Muthoot, Chairman, The Muthoot Group, said, “We are pleased to announce another quarter of robust performance, marked by significant milestones in our Loan Assets Under Management (AUM). Our Consolidated Loan AUM has reached a new landmark, crossing ₹1,64,000 crores, with the Standalone Loan AUM also exceeding ₹1,47,000 crore.
Also Read: Muthoot, Manappuram Finance shares fall up to 7% after Gold prices extend losses
The subsidiaries contribute a solid 12% to the Consolidated Loan AUM. This performance is underscored by our Consolidated Profit after Tax for 9M FY26, which saw an 84% year-on-year increase to ₹7,209 crores."
Shares of Muthoot Finance Ltd ended at ₹4,060.00, up by ₹126.85, or 3.23%, on the BSE.
Net interest income (NII) rose 64% year-on-year to ₹4,467 crore, as against ₹2,721 crore reported in the corresponding quarter of the previous fiscal. The company reported consolidated loan assets under management (AUM) of ₹1,64,720 crore as on December 31, 2025, marking a 48% year-on-year increase from ₹1,11,308 crore in 9M FY25.
During 9M FY26, consolidated loan AUM grew by ₹42,539 crore, registering a 35% increase, while the quarter saw a rise of ₹17,046 crore, up 12%. The company reported consolidated profit after tax of ₹7,209 crore for 9M FY26, compared with ₹3,908 crore last year, an increase of 84% YoY.
Also Read: Gold financiers in focus: CLSA raises Muthoot target, cautious on Manappuram
Standalone loan AUM stood at ₹1,47,552 crore as on December 31, 2025, up 51% YoY from ₹97,487 crore in 9M FY25. During 9M FY26, standalone loan AUM increased by ₹38,905 crore, registering a 36% growth. Standalone profit after tax for 9M FY26 came in at ₹7,048 crore versus ₹3,693 crore in 9M FY25, rising 91% YoY.
Gold loan AUM reached ₹1,39,658 crore as on December 31, 2025, up 50% YoY, with an increase of ₹36,702 crore during 9M FY26 and ₹14,740 crore during Q3 FY26, each reflecting 36% and 12% growth, respectively.
Belstar Microfinance
The company opened 39 gold loan branches during 9M FY26, taking total branches to 1,290 compared with 1,224 in 9M FY25. Collection efficiency improved to 99.64% from 98.53% a year ago. Disbursements stood at ₹5,589 crore in 9M FY26 versus ₹4,760 crore in 9M FY25, up 17% YoY. Corporate agency income commenced in Q3 FY26 at ₹5 crore, and direct assignment transactions were executed to the extent of ₹178 crore.
Also Read: Explained — Why the latest RBI announcement is positive for Manappuram and Muthoot Finance
Muthoot Homefin
The firm reported loan AUM of ₹3,380 crore in 9M FY26 compared with ₹2,720 crore in 9M FY25, up around 24% YoY. The company disbursed loans worth ₹715 crore during the period. Interest income rose about 41% YoY to ₹274 crore from ₹194 crore. Profit after tax stood at ₹19 crore, while GNPA was 2.32% and NNPA 1.42% in 9M FY26.
Muthoot Money
The company reported loan AUM of ₹8,003 crore in 9M FY26 versus ₹2,982 crore in 9M FY25, registering growth of around 168% YoY. An equity share capital infusion of ₹1,000 crore during 9M FY26 increased the total capital base to ₹2,223 crore. Total income rose about 222% YoY to ₹862 crore from ₹268 crore. The business reported a profit of ₹203 crore in 9M FY26 compared with a loss of ₹2 crore in 9M FY25.
George Jacob Muthoot, Chairman, The Muthoot Group, said, “We are pleased to announce another quarter of robust performance, marked by significant milestones in our Loan Assets Under Management (AUM). Our Consolidated Loan AUM has reached a new landmark, crossing ₹1,64,000 crores, with the Standalone Loan AUM also exceeding ₹1,47,000 crore.
Also Read: Muthoot, Manappuram Finance shares fall up to 7% after Gold prices extend losses
The subsidiaries contribute a solid 12% to the Consolidated Loan AUM. This performance is underscored by our Consolidated Profit after Tax for 9M FY26, which saw an 84% year-on-year increase to ₹7,209 crores."
Shares of Muthoot Finance Ltd ended at ₹4,060.00, up by ₹126.85, or 3.23%, on the BSE.
